Can you insure a car with a salvage title in Texas?

Yes, State Farm covers formerly salvage-titled vehicles. If the car was rebuilt and inspected after being salvaged, State Farm offers full coverage insurance as long as there is no damage to the vehicle. You cannot get coverage from any reputable insurer for a car currently holding a salvage title, however, as such vehicles are illegal to drive.... read full answer

A car is given a salvage title when an insurance company declares it a total loss, meaning that it is unable to be repaired or the cost of repairs exceeds the vehicle’s value. If the car is later repaired and deemed safe by an inspection, the salvage title will be replaced with a rebuilt title. After that, you can insure the car with State Farm.

To get a quote from State Farm for insurance on a previously salvaged car, call 1-888-327-6335.

No, uninsured motorist coverage is not required in Texas, as drivers can reject the coverage in writing. Still, insurance companies are required to offer at least $30,000 in uninsured motorist bodily injury coverage per person (up to $60,000 per accident), as well as $25,000 in uninsured motorist property damage insurance per accident.... read full answer

For Texas drivers who do not opt out by rejecting the coverage in writing, uninsured/underinsured motorist coverage helps pay for a car accident in which the other driver doesn’t have car insurance, or doesn’t have enough coverage for the damage they caused.

Why You Should Get Uninsured Motorist Coverage in Texas

Normally, an at-fault driver’s insurance helps pay for any damage after an accident. However, if the other driver doesn’t have any – or enough – coverage, it can be time-consuming and difficult to sue them for funds to cover any medical or repair bills. That’s where this optional insurance coverage can help you save time and money.

Even though Texas does not require uninsured and underinsured motorist coverage, you should still consider buying it. In Texas, an average of 14% of drivers on the road don’t have car insurance, which means there is a 1 in 7 chance that the other driver won’t have coverage if you get into an accident. Car accidents in Texas can be very expensive, too.

Key Facts About Uninsured Motorist Coverage in Texas:

• Minimum Uninsured Motorist Bodily Injury: $30,000 per person and up to $60,000 per accident
• Minimum Uninsured Motorist Property Damage: $25,000 per accident
• Uninsured Drivers on the Road: 14%
• Odds of a Crash with an Uninsured Driver: 1 in 7

The minimum liability car insurance requirements in Texas are $30,000 in bodily injury liability insurance per person ($60,000 per accident) plus $25,000 in property damage liability insurance. These requirements can also be written as 30/60/25.

Key Things to Know About Liability Car Insurance in Texas

• It covers others’ expenses. Liability insurance pays for others’ medical expenses and property damage after an accident you were responsible for.... read full answer
• There are penalties for driving without the required coverage. If Texas drivers do not satisfy Texas’s minimum liability requirements, they can face penalties for driving without insurance.
• Drivers should consider purchasing higher limits. Drivers should consider buying more than the minimum amount of liability coverage required by Texas law if they can afford it. If you cause an accident that results in damage beyond your policy limits, you will be personally responsible for paying the difference.
• Liability insurance will not cover all events. Texas drivers can also consider purchasing other types of car insurance in order to better protect themselves, given that liability insurance does not provide any coverage for the policyholder’s own injuries or property. For instance, both collision insurance and comprehensive insurance cover damage to the policyholder’s car. You will likely need these types of insurance if your vehicle is financed.

To learn more, check out WalletHub’s guides on how much car insurance you need and cheap car insurance in Texas.